# Pull your ScotiaConnect balances into your own systems

> Read consolidated balances, transactions from the Account details report and EFT payment statuses from ScotiaConnect with one API call each. Or have a workflow email you the morning balances and post yesterday's transactions to accounting.

Page: https://fous.com/automate/scotiaconnect
Updated: 2026-11-12

Works with your own ScotiaConnect account. Fous is an independent product.

## What you can build on ScotiaConnect

### Get account transactions

Runs the Account details report under Reporting for one account and date range and reads each transaction on screen.

- Takes: Account, from date, to date
- Returns: Date, description, debit, credit, additional payment information

### Get consolidated balances

Runs the Consolidated balances report under Reporting for a report date and reads every account you can see with its balance.

- Takes: Report date, report ID (optional)
- Returns: Account name, account number, currency, balance, report date

### Search EFT payments by status

Uses Payment Search under Payments to find EFT payments by date and status, such as Returned or Rejected, and reads each one.

- Takes: Due date from, due date to, status (optional)
- Returns: Payment/cross reference number, recipient name, amount, currency, due date, status

### Track an incoming wire

Opens Track incoming Wire under Accounts, enters the UETR, amount sent and date sent, and reads the wire's status and timeline.

- Takes: UETR, amount sent, date sent
- Returns: Status, timeline events with date and bank

## Automate ScotiaConnect with a workflow

A [workflow](/product/workflows) runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

### Morning consolidated balances for treasury

Starts: Every weekday at 8:00 Eastern time

1. Get consolidated balances for the previous business day.
2. Have an AI step group the accounts by currency and total them.
3. Email you the list with each account's balance and the totals.

### Returned and rejected EFTs, posted to your ERP

Starts: Every weekday at 10:00 Eastern time

1. Search EFT payments due in the last 5 days with the status Returned or Rejected.
2. Keep the payments that were not there on the last run.
3. Post each one, with its cross reference number, recipient and amount, to your ERP webhook.

### Yesterday's transactions to accounting

Starts: Every weekday at 7:00 Eastern time

1. For each account you name, get the account transactions for the previous business day.
2. Stop when there are none.
3. Post date, description, debit, credit and payment information to your accounting system's webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

## Once built, one call from your code

Once you have built a [method](/product/methods), it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get account transactions” would look like.

Example request:

```
curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "www1.scotiaconnect.scotiabank.com/get_account_transactions",
    "input": {
      "account": "Operating CAD",
      "from_date": "2026-11-10",
      "to_date": "2026-11-11"
    }
  }'
```

Example response:

```
{
  "status": "completed",
  "data": {
    "account": "Operating CAD",
    "currency": "CAD",
    "transactions": [
      {
        "date": "2026-11-11",
        "description": "Incoming wire, Northwind Logistics",
        "debit": null,
        "credit": 18450,
        "additional_payment_information": "Invoice 2026-311"
      }
    ],
    "count": 1
  }
}
```

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

## ScotiaConnect’s own options

Scotiabank lists Scotia TranXact APIs, for real-time payments and account information, on its developer portal: you sign up there and tell Scotiabank when your app is ready to launch. It publishes no eligibility or price for them. Inside ScotiaConnect, reports download as files and Online Payment Control loads payment files built elsewhere.

| Option | What it covers | What it takes |
| --- | --- | --- |
| Scotia TranXact APIs | Real-time payments and account information. | Sign-up on Scotiabank's developer portal, then contact Scotiabank to launch. No public eligibility or pricing. |
| Online Payment Control | Payment files created outside ScotiaConnect are uploaded into it for approval and submission, and checked in File Summary. | The Online Payment Control service on your ScotiaConnect agreement. |
| ScotiaConnect by hand | Reporting, Payments and Accounts screens. Account details downloads in the report type and file format you pick; statements go back 24 months. | A ScotiaConnect user set up by your Super User, with a password and a security token. |

Read on November 12, 2026: [Scotiabank developer portal](https://developer.scotiabank.com/en.html), [ScotiaConnect EFT Payments reference guide](https://www.scotiabank.com/content/dam/gtb/documents/EFTguide.pdf), [ScotiaConnect Basic Services and Reporting guide](https://www.scotiabank.com/content/dam/gtb/documents/SCObasicsandreports.pdf).

## Signing in to ScotiaConnect

Each ScotiaConnect user is added by a Super User and registers with an authorization code. Users have a security token, either a physical token or the Digital Token app, and ScotiaConnect asks for the password and a token value for actions such as adding a recipient or a user. With Fous you sign in through ScotiaConnect's own sign-in with your own account, and the login is sealed with AES-256.

## Worth knowing

- **24 months of history**: Account information is kept in ScotiaConnect for 24 months from the date the service was activated, and is not loaded retroactively. Statements older than 24 months come from your branch.
- **Only Ready payments can be submitted**: A payment in Entered, Approval 1 or Approval 2 status needs approval first. Enhanced Approval allows up to three approvers and 5 amount tiers, so a created payment may wait for colleagues.
- **Your Super User decides what you see**: Accounts and services come from the User Group and Service Group your Super User assigned. The reports available to each user depend on that access, and so does what a method can read.
- **Some files arrive in the Message Centre**: Large statement exports are picked up from the Message Centre instead of downloading. Approving or submitting payments also leaves a PDF report there.

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## Frequently asked questions

### Does ScotiaConnect have an API?

Scotiabank offers Scotia TranXact APIs for real-time payments and account information on its developer portal, where you sign up and tell Scotiabank when you are ready to launch. It publishes no eligibility or pricing. Inside ScotiaConnect, reports download as files and Online Payment Control loads payment files built elsewhere.

### How far back can I get transactions from ScotiaConnect?

24 months. Account information is held for 24 months from the date the service was activated and is not loaded retroactively. Monthly account statements are also available for up to 24 months; for older ones Scotiabank asks you to contact your branch.

### How do I track an incoming wire in ScotiaConnect?

Go to Accounts, then Track incoming Wire, and enter the UETR, the amount sent and the date sent. All three must match. The status is Completed, Rejected or In-Progress, and the timeline shows only what the sending and intermediary banks shared.

### What do the EFT payment statuses mean?

Entered, Approval 1 and Approval 2 mean the payment still needs approval. Ready can be submitted. Accepted is the final status of a processed EFT. Returned means the receiving bank returned it, Rejected means ScotiaConnect rejected it, and Failed applies to payments imported by file.

### Is Fous affiliated with Scotiabank?

No. Fous is an independent product. You use it with your own ScotiaConnect account, and a method reads and does only what that account can.

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of ScotiaConnect (Scotiabank). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.